Plumber insurance in Spokane

The claim is never the pipe

A failed compression fitting costs a few dollars. The hardwood, the drywall, the cabinetry and the three weeks of drying equipment underneath it cost tens of thousands. Plumbing claims are almost always resulting-damage claims, which is exactly what general liability is for — but it is also why the limit matters and why a $1M policy is the floor rather than the target for anyone working in finished residential or commercial space.

Your own workmanship is not covered

This surprises people every time. General liability pays for the damage your faulty work caused — it does not pay to redo the faulty work itself. If a joint fails and floods a kitchen, the policy covers the kitchen and not the joint. That gap is normal and intentional, and the way to manage it is pricing your warranty work in rather than expecting a carrier to fund it.

Spokane winters change your exposure

Freeze claims spike here every January, and plumbers get pulled into them from both directions — the emergency repairs, and the argument about whether a line you installed last year was adequately insulated. Documenting insulation and winterisation advice in writing, on the invoice, is cheap protection. Carriers notice contractors who do it.